What if an Account I Owe Has Already Been Charged Off?
If you have been told by a creditor that they have written off the debt that you owe them (your account has been "charged off") it does NOT mean that you no longer owe the debt. Charge offs are an accounting mechanism to help a creditor accurately reflect how much debt is on their books that they EXPECT to collect, not how much is legally owed to them.
So be sure to list ALL of your debts when filing for bankruptcy in San Fernando Valley. If a creditor informs you that you cannot use bankruptcy to discharge your debt to them because it has been charged off, do not believe them. You still owe the debt, and you should definitely list it when filing, otherwise you will still owe it in the future.